Office Hours

Please note that all of our offices will close at 1 p.m. local time on Friday, May 24, 2019, and will remain closed until Tuesday, May 28, 2019, in observance of the Memorial Day holiday. If you have any special service needs that must be accomplished by Friday, May 24, please let us know so that we may service those needs as a high priority for you.

New Owner of Old Condominium with Improvements and Betterments

When a condo owner makes improvements to the condo, for example new kitchen cabinets, and later sells the condo, are the cabinets still betterments and improvements for the new owner who purchases the condo?

ANSWER: The condo policy does not define "improvements and betterments." The policy provides coverage for betterments and alterations. While the new owner did not make the alterations, they are still alterations all the same. Also, the state statutes determine whether the unit owner or the condo association is responsible for appliances and cabinets. In our opinion the alterations still count as alterations under the new owner and should be insured as such.